The winner of a contest run by Savoo.co.uk to find the UK’s Smartest Shopper is our budgeting mum this week!
Hi, what’s your name?
Hi, I’m Annie, nice to meet you! (and you too, Annie!)
Yes, one fantastic 14 month old little boy.
Do you work? FT/PT?
I work part time for a charity and the rest of my time I use to work on my blog and look after my son. It’s a bit of a juggling act!
Why do you work?
I work as we need the extra money it brings in and it also allows my son to attend a nursery he loves.
What are your child care arrangements?
My son attends nursery 3 days a week and we do activities on the weekend with the wider family.
How do you manage for money?
We manage ok as I have our budgeting down to a fine art. Our spending is very limited too but luckily, we never feel deprived.
Do you worry about money?
I don’t necessarily worry but like everybody else, I would love a bit more of it!
What do you waste money on?
Ooooh this is a tricky one. I think the answer would have to be clothes. Even though I mostly sell my old things in order to buy new bits, the occasional unplanned purchase has been known to sneak in *I’m looking at you new, pretty high heels*.
Have you made any big financial changes since having kids?
No big changes for us but we are desperate to move to a bigger home to accommodate all of the ‘stuff’ my son owns! It’s crazy how a small person has/needs so much. This means we have to find extra money to put in the ‘house deposit’ pot.
How do you make extra cash?
I do the usual selling on Ebay, doing car boot sales etc, I also do online surveys to bring in that little bit extra to put towards the grocery shopping. Cashback websites and using coupons and vouchers all also second nature now.
Can you share 3 top budgeting tips for other parents?
1. Borrow what you can! My son grows at an alarming rate so we have been super lucky to have been able to borrow lots of clothes and age appropriate toys along the way. Most of us have friends and family who are all too willing to donate their child’s clothes to your baby.
2. Peace of mind is priceless – Don’t scrimp on the important things. When looking into childcare options I was amazed at the differing costs. As luck would have it, the place I was most comfortable allowing my son to go, was the most expensive!. We had to make budget adjustments and pull money from other pots in order to be able to send him to this nursery. I don’t regret the decision though as whilst other places were cheaper, I knew they weren’t what I wanted for him.
3. Freebies are out there, so grab them! During pregnancy, I pulled upon all as many free resources as I possibly could…everything from free Folic Acid to product samples. (I have written a blog post on this exact topic so do hop on over there to read it if you can). There are so many free groups to go to with your baby and lots of free activities you can get involved with. It’s a great way to bond with your baby and meet other parents.
My blog is dedicated to money saving and sharing deals that I spot. I regularly write about how we save money as a family and do roundups of the best voucher codes of the month.
Annie’s blog: www.savvyannie.co.uk
Thanks so much for you answers Annie!